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With a Flexible Mortgage you are allowed to make extra payments when you have extra money available. Extra payments can be lump sum or extra amounts per month. Most flexible mortgages also offer the option of taking a 'payment holiday' by building up a reserve of excess payments. Both these features can help in paying the mortgage off early, or coping with unexpected expenses. A flexible mortgage is usually offered on a daily interest basis, and because you are being offered this flexibility as an extra service you will pay slightly higher rates of interest compared to standard variable rates.
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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.